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    Risk Intelligence Blog

    03 Aug 2016

    Licata Risk Real Estate & Construction Event Summary

    A group of about 45 industry executives and their attorneys  and CPAs heard the latest in risk management on June 22nd at the Boston College Club in Boston.   Discussions concluded with cocktails a... »

    28 Mar 2016

    Is Your Insurance Only a Sprinkling of Protection?

    Coverage in an insurance policy: is it known and agreed upon by the insured at time of issuance?’ The premium due on a policy is known and agreed. A more important question is whether the coverage ... »

    23 Feb 2016

    Court Criticizes the Insurer for Reading the Policy Incorrectly

      Insurers are not charitable organizations.  They are profit-making companies who will go all the way (and beyond in this case) in enforcing the restrictive covenants of their insurance policie... »

    26 Jan 2016

    IT Security: Finally a Path to Success!

      The Cisco Annual Security Report – 2015 is eye-opening for several reasons: We know what to do – we are just not executing; Criminals are moving more toward social engineering as opposed to... »

    06 Oct 2015

    Beware of the Rains

      Hurricane Joaquin is illustrating a phenomenon to which all property owners need to pay serious attention: flooding from storm related heavy rains is becoming a norm. You need flood insurance w... »

    11 Aug 2015

    Why we do the work we do…

    This case[1] speaks to the consequences of not knowing what is in your policies…. The Cleveland Indians baseball team hired National Pastime Sports to produce Kids Fun Day events at Indians baseball... »

    07 Jul 2015


    Coverage cases make fascinating reading.  We keep a close eye on them to know what clients might face. This one [1]  shocked us, not because of the court decision, which  we agree with, but with th... »

    19 Jun 2015

    Making Promises You Can’t Keep

    You can sometimes get away with it.  Just not when the promise is made to an insurance company. Cottage Health System of California found that out when they suffered a computer breach, and then had ... »

    19 May 2015

    Insurance Policy Terms a Mystery … to the Insurance Company Who Wrote Them !!!

    In a recent claim, the adjuster sent an e-mail saying “I wanted to make you aware that there are issues of coverage and some of the costs incurred to date may not be covered under the policy. We sho... »

    07 May 2015

    Note to Internet Companies: WATCH OUT FOR POWER INTERRUPTION

    Change affects markets and creates dislocations.  Sometimes a  market morphs into a different form and the move from old to new creates gaps.  This is what has happened to insurance for internet ... »

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    LicataRisk Advisors is an independent risk management and insurance consulting firm. We are not brokers and we do not sell insurance. We are not connected to any insurance company or product in any way and do not receive commissions. This is an important difference as you will have an expert on your side who is only committed to you.

    Licata Risk is not a law firm and does not practice law. General advice and contract input by the consultants, including those who are attorneys, is to provide insight into the risk and insurance aspects. Your attorney should be the final authority on any legal matter.